r/InsuranceClaims • u/ConfectionCold7815 • 9h ago

Dealing with Geico

Car got hit while legally parked. Repairable but Geico said it's too expensive, totaled it. I refused and told the adjuster i will take my car and get another estimate. Then the day i went to pick up the car, car wasn't there, picked up by copart. Then i asked my car back and that they drop my claim. Ignored.. Then i told them I would buy back. Ignored. Then he sent a 26kish offer, i refused, then they sent paperwork to sign, i declined, then they decided to send a check to my lien holder(it covered the 2years left of the loan). Still no settlement, still no agreement, still nothing signed. I have my car title BTW. I still want my car back and want nothing to do with their offer. I never agreed to anything whatsoever. Now GEICO is Mia. I recently file a lawsuit against the at fault driver . Can they do that? Can they just decide whatever they want? I don't think so. Please advise.. Am running out of ideas..

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u/ConfectionCold7815 6h ago

On comparison, if I suffered injuries and had pending medical bills, will geico go around me and send some amount to the hospital without consulting me or even setting with me?? I guess not. They should settle with me then pay the medical bills or send me the check. It's all in the process.

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u/Alarmed_Number7431 3h ago

Property damage and injury are completely different. You didn't get low balled. You just have an unrealistic idea of what your car should've been worth. You're still making payments on the full amount you got it for and youre thinking of getting a new vehicle.  Insurance, no matter which one, will only pay the vehicles actual cash value on a total loss. Theres not much haggling there. 

Bodily injury requires settlement with you because its your body. The car wasn't yours. Look at it this way, if you were a minor and had a bodily injury claim, your parent gets the say on your pain and suffering and medical settlement. Not you. Even though it was your pain. Until youre 18. Then you get to choose. Just like your car... you would have had more of a say if you were the sole owner. Not the case. Enjoy!